The countdown to 1 July 2026 is on. The era of the “quarterly buffer” is ending, and Payday Super is taking its place.
Essentially, when you pay your staff their wages, you pay their super. While it sounds simple, this shift from quarterly to real-time payments is a significant change for your business cash flow and payroll systems.
At Cadenze, we want to ensure this transition is a smooth climb. To help you get ahead of the curve, we’ve developed a comprehensive guide to help you audit your systems and stress-test your finances.
Whats Changing?
The reform is built on speed. Contributions must now reach employee funds within 7 business days of each pay cycle. Whether you pay weekly or monthly, your super obligations now move in lockstep with your payroll, making late payments more visible to the ATO.
Is Your Cash Flow Ready?
July 2026 may feel like a distant peak, but the groundwork starts today. The biggest challenge for most businesses won’t be the software—it will be the liquidity.
Our checklist covers the essentials you need to address now:
- Cash Flow Modelling: Seeing how frequent payments affect your bank balance.
- Building a Buffer: Strategies to ensure you never miss a deadline.
- System Reviews: Automating your payroll for the 7-day window.
Don’t let the deadline catch your bank account off guard.